About Sean
Sean Horton is a co-owner of Drake Mortgages and has worked in financial services, mortgages and insurance since 1988.
Previously an independent financial adviser and a whole of market mortgage broker, he regularly writes about mortgages, bridging loans and commercial finance and contributes to press articles. Sean has considerable experience in providing personalised financial advice to many different types of clients.
Additionally, he is a landlord and a small business owner and has worked within digital marketing and SEO for mortgages and financial products for over twenty years.
Written by Sean Horton
Light vs Heavy Refurbishment: How Bridging Loans Differ
Buying a property that needs work takes careful planning, especially when it comes to funding. Whether you’re looking at a small makeover or major …
Special Purpose Vehicle (SPV) Bridging Loans Explained
Property investment through a limited company makes good business sense, but finding quick finance can be challenging. When you spot the perfect property or …
Can You Extend a Bridging Loan?
Property projects rarely stick to schedule. Whether your renovation has hit unexpected snags or the perfect buyer hasn’t appeared within your planned timeline, timing …
What are commercial bridging loans?
Business property opportunities often appear with tight deadlines. Traditional commercial mortgages can take months to arrange, leaving you at risk of missing out on …
How Many Buy-to-Let Mortgages Can I Have?
Buy-to-let mortgages are a popular choice for property investors aiming to grow their portfolios and generate rental income. Many aspiring landlords wonder about the …
Can I Change My Mortgage to Buy to Let?
Are you considering turning your home into a buy to let rental property? Perhaps you’re moving to a new city for work, or you’ve …
What’s the Difference Between an SPV and a Limited Company?
As a property investor, choosing the right business structure can make your investments more efficient. Two popular options are Special Purpose Vehicles (SPVs) and …
How long can you have a bridging loan for?
If you’re considering getting a bridging loan, one of the first questions you’ll likely have is “How long can I have it for?” After …
Holiday Let Mortgages for the Self Employed
Are you a self-employed individual who is looking to buy a holiday let property? Well, you’re not alone. The number of self-employed people has …
Holiday Let Mortgages for First Time Buyers
Are you a first-time buyer dreaming of owning a holiday let property? You might think it’s as simple as buying a property and renting …
What is consent to let and when is it needed?
You’re a homeowner in the UK, and an opportunity arises that requires you to temporarily move out of your home. You think, “Why not …
Can you get an interest-only holiday let mortgage?
Welcome to our guide on interest-only mortgages for holiday lets. If you’re considering investing in a holiday let, it’s important to understand the financial …
Do you need payslips to remortgage?
Are you thinking of remortgaging your home but are unsure whether you need to show any payslips? Before you get started, it’s important to …
Can a joint mortgage be transferred to one person?
When it comes to owning a property, things can sometimes get complicated, especially when it comes to mortgages. One of the most common complications …
How to change an interest only mortgage to repayment
Many borrowers who have an interest-only mortgage may consider switching to a repayment mortgage. This is because while interest-only payments are lower, it can …
Unlock the Benefits of An Offset Mortgage
Have you ever considered the benefits of an offset mortgage? This type of loan allows you to link your savings directly to your mortgage, …
How do you buy out a partner in a mortgage?
Are you looking to buy out your partner in a mortgage, but unsure of how to go about it? This process is known as …
Are self cert mortgages still available?
Self-certification mortgages were once a popular option for individuals in the UK who were self-employed or had complex income streams. These mortgages allowed borrowers …
Bank of Mum and Dad
Ever heard of the “Bank of Mum and Dad?” It’s not a real bank, but a term we use in the UK to describe …
What is the 6 month mortgage rule?
The 6 month mortgage rule can cause problems for property purchases as well as when refinancing is needed. The rule applies to mortgage applications …
Do Your Numbers Add Up?
Rental yield and capital growth are the two key ways property investors make money. Here we quickly dive into how yield can make you …
Should you overpay your mortgage?
Overpaying can reduce the time it takes for you to repay your mortgage and also means you will be charged less in interest We …
Types of Mortgage
Mortgages come in all sorts of shapes and sizes. There’s lots of decisions to be made. But how do you know which mortgage type …
Why use a mortgage specialist?
You want a large loan to buy your home – or some other property. So why not raise the loan by offering the property …